Mobile wallets are not only for payments. Mobile wallets will only be successfull if they incorporate loyalty programs, coupons, keys, online identity. The APIs and data must be open. A mobile wallet is not owned by the wallet operator but by the wallet user.
This slide deck describes the architecture of the mobile wallet and the eco system the mobile wallet is embedded in.
This architecture was developed in a project of Telekom Innovation Laboratories.
The mobile wallet is
open to all cards/services.
Multiple cards for Identity, Payment, Loyalty, Coupons, …
Provide framework to support major “standards”.
User centric.
Privacy build-in.
Support mobile and web.
Open to all operators.
COMPARATIVE STUDY BETWEEN VARIOUS PROTOCOLS USED IN INTERNET OF THING
From plastic to secured bits. A mobile wallet for virtual cards on the mobile phone.
1. Life is for sharing.
From plastic to secured bits – a wallet
for virtual cards on the mobile phone.
Axel Nennker, Deutsche Telekom Laboratories
December 8, 2010
6. 8.12.20106
Deutsche Telekom Laboratories
Mobile Wallet Evolution: Past to Present.
Billions (?) of simple phones: UICC access
Nokia 6131
Secure element
Nokia 6212 NFC
Secure element
Samsung Star NFC
21. 8.12.201021
Deutsche Telekom Laboratories
Mobile Wallet Proof of Concept.
Proprietary functional architecture for J2ME platform.
JSR177/257
NFC/SW
P
HTTP(s)
Service
Provision
OTA-API
(TSM)
User/
NFC
Handset
Card Issuer /
Service
Provider
Retailer
Secure
Element
28. 8.12.201028
Deutsche Telekom Laboratories
Information Card
Metadata about the issuer, the user’s
attribute...
Information Card is a card with a defined data
package.
Standardized by OASIS (Organization for the
Advancement of Structured Information
Standards).
Needs to support multiple protocols other
than WS-*
Needs to support Telco authentication
Support for mobile devices (lean data and
protocol)
Mobile Wallet Evolution: Overall Future Wallet
Architecture.
Two card categories from technical point of view.
Application Card
Generally, the Application Card will be used
for proximity transactions.
Application Card is a card with a dedicated
application and application logic (e.g. VISA
payWave).
The communication protocol between
different kind of Application Cards and
acceptance systems/relying parties can be
very different.
VDV KA
29. 8.12.201029
Deutsche Telekom Laboratories
WWWClou
d
Mobile Wallet Evolution: Overall Future Wallet
Architecture.
Future wallet enables both proximity and internet
applications.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution
Runtime
Environment
Communication
Channels
Card Meta Data
Transaction
Data
Card
Deployment
Channels
User
Interface
Layer
User
Interface
Layer
Manageme
nt and App
Logic
Layer
Manageme
nt and App
Logic
Layer
Comm.
and
Storage
Layer
Comm.
and
Storage
Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying
parties
Physical storage mediumsCards / Applications
30. 8.12.201030
Deutsche Telekom Laboratories
WWWClou
d
Mobile Wallet Evolution: Overall Future Wallet
Architecture.
Management and App Logic.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution
Runtime
Environment
Communication
Channels
Card Meta Data
Transaction
Data
Card
Deployment
Channels
User
Interface
Layer
User
Interface
Layer
Manageme
nt and App
Logic
Layer
Manageme
nt and App
Logic
Layer
Comm.
and
Storage
Layer
Comm.
and
Storage
Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying
parties
Physical storage mediumsCards / Applications
Card Usage Card management
31. 8.12.201031
Deutsche Telekom Laboratories
WWWClou
d
Mobile Wallet Evolution: Overall Future Wallet
Architecture.
Management and App Logic: Management.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution
Runtime
Environment
Communication
Channels
Card Meta Data
Transaction
Data
Card
Deployment
Channels
User
Interface
Layer
User
Interface
Layer
Manageme
nt and App
Logic
Layer
Manageme
nt and App
Logic
Layer
Comm.
and
Storage
Layer
Comm.
and
Storage
Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying
parties
Physical storage mediumsCards / Applications
1. Import Card
2. Export Card
3. Synchronize Card
4. Edit Card
32. 8.12.201032
Deutsche Telekom Laboratories
WWWClou
d
Mobile Wallet Evolution: Overall Future Wallet
Architecture.
Management and App Logic: Usage.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution
Runtime
Environment
Communication
Channels
Card Meta Data
Transaction
Data
Card
Deployment
Channels
User
Interface
Layer
User
Interface
Layer
Manageme
nt and App
Logic
Layer
Manageme
nt and App
Logic
Layer
Comm.
and
Storage
Layer
Comm.
and
Storage
Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying
parties
Physical storage mediumsCards / Applications
1. GetToken -> Request Router
2. Card Selector (2 Mastercards)
3. Card Handler talks to Backend
4. Write Transaction Data
33. 8.12.201033
Deutsche Telekom Laboratories
WWWClou
d
Mobile Wallet Evolution: Overall Future Wallet
Architecture.
Communication and Storage: Storage.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution
Runtime
Environment
Communication
Channels
Card Meta Data
Transaction
Data
Card
Deployment
Channels
User
Interface
Layer
User
Interface
Layer
Manageme
nt and App
Logic
Layer
Manageme
nt and App
Logic
Layer
Comm.
and
Storage
Layer
Comm.
and
Storage
Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying
parties
Physical storage mediumsCards / Applications
1. Device storage
2. UICC
3. Cloud
34. 8.12.201034
Deutsche Telekom Laboratories
WWWClou
d
Mobile Wallet Evolution: Overall Future Wallet
Architecture.
Communication and Storage: Deployment.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution
Runtime
Environment
Communication
Channels
Card Meta Data
Transaction
Data
Card
Deployment
Channels
User
Interface
Layer
User
Interface
Layer
Manageme
nt and App
Logic
Layer
Manageme
nt and App
Logic
Layer
Comm.
and
Storage
Layer
Comm.
and
Storage
Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying
parties
Physical storage mediumsCards / Applications
1. OTA
2. File System
3. SMS / MMS
4. Download
35. 8.12.201035
Deutsche Telekom Laboratories
WWWClou
d
Mobile Wallet Evolution: Overall Future Wallet
Architecture.
Communication and Storage: Communication
Channels.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution
Runtime
Environment
Communication
Channels
Card Meta Data
Transaction
Data
Card
Deployment
Channels
User
Interface
Layer
User
Interface
Layer
Manageme
nt and App
Logic
Layer
Manageme
nt and App
Logic
Layer
Comm.
and
Storage
Layer
Comm.
and
Storage
Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying
parties
Physical storage mediumsCards / Applications
1. NFC
2. C2DM / Push
3. Bluetooth
4. USB Cable
5. SMS
6. USSD
37. 8.12.2010 37Deutsche Telekom Laboratories
Wrap-up
Mobile Wallet Evolution.
Open to all cards.
Multiple cards for Identity, Payment, Loyalty, Coupons, …
Provide framework to support major “standards”.
User centric.
Privacy build-in.
Support mobile and web.
Open to all operators.
38. 8.12.2010 38Deutsche Telekom Laboratories
Still a lot of work to do.
I believe that we will see multi-
card wallets in the wild in 2011.
Wrap-up
Mobile Wallet Evolution.
39. Life is for sharing.
Thank you for your attention.